Principal Associate, Data Science - US Card Fraud Authentication Team

Data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making. As a Data Scientist at Capital One, you’ll be part of a team that’s leading the next wave of disruption at a whole new scale, using the latest in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives. Team Description The US Card Fraud Authentication Data Science team operates at the critical intersection of fraud defenses and customer experience. We leverage a modern tech stack - including Python, AWS, Spark, H2O, and SQL - to analyze complex datasets and optimize authentication decisioning at Capital One. Our mission is to stay ahead of evolving fraud patterns through a combination of rigorous quantitative analysis and the development of scalable machine learning solutions. In this role, you will Dive into ambiguous fraud landscapes to identify opportunities where machine learning can drive value. You will help design the technical vision for our authentication workflows, evaluating feasibility and prototyping innovative ML solutions. Harness our big data ecosystem (Spark, AWS, and more) to uncover hidden patterns in massive datasets, turning raw information into actionable fraud‑prevention strategies. Partner with a cross‑functional team of business stakeholders, data scientists, software engineers, and product managers to deliver a product customers love. Build machine learning models through all phases of development, from design through training, evaluation, validation, and implementation. Bridge the gap between technical complexity and business strategy, articulating the "why" behind your solutions to influence stakeholders and achieve tangible business goals. The Ideal Candidate Customer first. You love the process of analyzing and creating, but also share our passion to do the right thing. You know at the end of the day it’s about making the right decision for our customers. Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You’re not afraid to share a new idea. Technical. You’re comfortable with open‑source languages and are passionate about developing further. You have hands‑on experience developing data science solutions using open‑source tools and cloud computing platforms. Statistically‑minded. You’ve built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning. Basic Qualifications Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date: A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 5 years of experience performing data analytics. A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 3 years of experience performing data analytics. A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field). Preferred Qualifications Master’s Degree in “STEM” field (Science, Technology, Engineering, or Mathematics) plus 3 years of experience in data analytics, or PhD in “STEM” field (Science, Technology, Engineering, or Mathematics). At least 1 year of experience working with AWS. At least 3 years of experience in Python, Scala, or R. At least 3 years of experience with machine learning. At least 3 years of experience with SQL. Capital One will consider sponsoring a new qualified applicant for employment authorization for this position. The minimum and maximum full‑time annual salaries for this role are listed below, by location. Salaries are offered at the time of hire and refer to the amount Capital One is willing to pay at the time of this posting. McLean, VA: $161,800 - $184,600 for Principal Associate, Data Science. New York, NY: $176,500 - $201,400 for Principal Associate, Data Science. Applicants hired to work in other locations will be subject to the pay range associated with that location. The actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance‑based incentive compensation, which may include cash bonus(es) and/or long‑term incentives (LTI). Incentives could be discretionary or non‑discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries. #J-18808-Ljbffr